Standards

79 of 95 national standards, unit by unit.

The 2021 National Standards for Personal Financial Education were published jointly by the Jump$tart Coalition and the Council for Economic Education, in six topics benchmarked at grades 4, 8, and 12. Below is where every Financial Foundations™ unit lands, and, just as plainly, the 16 standards the program does not yet reach.

Elementary students writing at their desks in a classroom

17 / 17

Earning Income

13 / 15

Spending

15 / 16

Saving

13 / 14

Investing

13 / 16

Managing Credit

8 / 17

Managing Risk

Unit-level crosswalk, version 1.0, September 2026. A standard is listed under a unit when one or more of its activities teach the concept the standard names. Download the full crosswalk with the standard text →

Georgia

What Georgia requires, and where Financial Foundations™ fits.

The graduation requirement

Georgia’s Senate Bill 220 (2022) requires a course in financial literacy for students in eleventh or twelfth grade, beginning with the 2024–25 school year. Band 4 (Units 4.1–4.9) is built for that course: income, borrowing, credit, investing, insurance, paying for college or trade school, student loans, and a launch plan.

K–8

Georgia’s social studies standards carry economics and personal-finance strands in every grade from kindergarten up (SSKE1–4 through SS8E3). Bands 1–3 cover that ground: needs and wants, earning, saving, spending choices, budgeting, credit. The history-bound economics standards in grades 4–5 and the world-economics standards in grades 6–8 are outside the program’s scope, and the table below says so.

The Georgia crosswalk, code by code

Of the 35 Georgia economics and personal-finance standards K–12, 33 are addressed, 0 partially, and 2 not yet. Every code, with the activities that carry it ↓

The crosswalk

Every unit, and the standards it teaches.

Codes read topic, benchmark grade, standard number. “Saving 8-2” is the second grade-8 Saving standard.

Band 1 · Money ExplorersGrades K–2 · grade 4 benchmarks4units13standards

Unit	Standards addressed
1.1 What Is Money?	Earning Income 4-3Earning Income 4-6Spending 4-2Spending 4-6Saving 4-1
1.2 Needs and Wants	Spending 4-1Spending 4-3Spending 4-4Spending 4-5
1.3 Saving for Something	Saving 4-1Saving 4-2Saving 4-3Saving 4-4Investing 4-2
1.4 Sharing and Giving	Earning Income 4-6Spending 4-2Spending 4-4

Band 2 · Money BuildersGrades 3–5 · grade 4 benchmarks5units20standards

Unit	Standards addressed
2.1 The Earning Engine	Earning Income 4-1Earning Income 4-2Earning Income 4-3Earning Income 4-4Earning Income 4-7
2.2 Smart Spending	Spending 4-1Spending 4-3Spending 4-4Spending 4-5Spending 4-6
2.3 The Saving System	Saving 4-1Saving 4-2Saving 4-3Saving 4-4Saving 4-5Investing 4-1Investing 4-2
2.4 Budgeting Basics	Spending 4-1Spending 4-3Saving 4-2Managing Risk 4-4
2.5 Money and Community	Earning Income 4-5Earning Income 4-7Spending 4-2Saving 4-4

Band 3 · Money SystemsGrades 6–8 · grade 8 benchmarks6units29standards

Unit	Standards addressed
3.1 How Money Systems Work	Spending 8-1Saving 8-3Saving 8-5Saving 8-6Managing Credit 8-1Managing Credit 8-4
3.2 The Real Paycheck	Earning Income 8-1Earning Income 8-2Earning Income 8-3Earning Income 8-4Earning Income 8-5
3.3 Credit and Borrowing	Managing Credit 8-1Managing Credit 8-2Managing Credit 8-3Managing Credit 8-4Managing Credit 8-5Managing Credit 8-6Managing Credit 8-7Managing Risk 8-1
3.4 Spending with Strategy	Spending 8-1Spending 8-2Spending 8-3Spending 8-4
3.5 Saving and the Time Factor	Saving 8-1Saving 8-2Saving 8-4Saving 8-5Investing 8-1Investing 8-2Investing 8-4Investing 8-5Investing 8-6Investing 8-7
3.6 Sai's Financial Blueprint (capstone)	Earning Income 8-3Spending 8-1Saving 8-1Managing Credit 8-6Managing Risk 8-1

Band 4 · Money MasteryGrades 9–12 · grade 12 benchmarks9units29standards

Unit	Standards addressed
4.1 Your Income Life	Earning Income 12-1Earning Income 12-2Earning Income 12-3Earning Income 12-4Earning Income 12-5
4.2 The Real Cost of Borrowing	Managing Credit 12-1Managing Credit 12-2Managing Credit 12-3Managing Credit 12-5Managing Credit 12-6
4.3 Building and Protecting Your Credit	Managing Credit 12-1Managing Credit 12-2Managing Risk 12-4
4.4 Investing Before 25	Saving 12-4Investing 12-1Investing 12-2Investing 12-3Investing 12-4Investing 12-5
4.5 Protecting What You Build	Saving 12-3Managing Risk 12-1Managing Risk 12-2Managing Risk 12-3Managing Risk 12-4Managing Risk 12-5Managing Risk 12-6
4.6 The Blueprint (capstone)	Spending 12-1Spending 12-2Saving 12-1Saving 12-2Managing Credit 12-4
4.7 Paying for College or Trade School	Earning Income 12-3Spending 12-5Managing Credit 12-4
4.8 Student Loans and Smart Borrowing	Managing Credit 12-1Managing Credit 12-4Managing Credit 12-5Managing Credit 12-6
4.9 The Launch Plan	Earning Income 12-3Earning Income 12-5Spending 12-1Managing Credit 12-4Managing Risk 12-2

Georgia Standards of Excellence · social studies

Every Georgia economics and personal-finance code, K–12.

Read against the GaDOE standards document (approved 2016, updated July 2026). Addressed means the standard’s main idea is taught by the named activities. Partial means one or more lettered elements are not yet taught, and the note says which. Not addressed is stated, not hidden.

Show every code, K–12 (35 standards)

Code	Grade	Standard	Units	Activities that carry it	Status
SSKE1	K	Describe the work that people do (police officer, farmer, doctor, teacher…).	1.1	Earning (match each person to the job they do: teacher, firefighter, nurse…)	addressed
SSKE2	K	Explain that people earn income by working.	1.1	Earning · My First Money Day	addressed
SSKE3	K	Explain how money is used to purchase goods and services; identify U.S. coins and bills as currency.	1.1	Money Is a Tool · Coins and Bills · Spending	addressed
SSKE4	K	Explain that people must make choices because they cannot have everything they want.	1.2	Need or Want? · Sorting Day · First, Then	addressed
SS1E1	1	Identify goods that people make and services that people provide for each other.	1.1	Earning · Part B: Things and Helps (goods vs services)	addressed
SS1E2	1	Explain that scarcity is when unlimited wants are greater than limited resources.	1.2	It Depends · Part B: Not Enough for Everything (names scarcity) · The Waiting Shelf	addressed
SS1E3	1	Describe how people are both producers and consumers.	1.1	Earning · Part B: Makers and Buyers (producers and consumers)	addressed
SS1E4	1	Explain that people earn income by working and must make choices about how much to save and spend.	1.11.3	Earning · What Is Saving? · If I Spend My Savings	addressed
SS2E1	2	Explain that because of scarcity, people must make choices that result in opportunity costs.	1.21.3	First, Then · The Waiting Shelf · If I Spend My Savings	addressed
SS2E2	2	Identify ways goods and services are allocated (price, majority rule, contests, lottery, first-come…).	1.2	The Waiting Shelf · Part B: Who Gets It? (turns, sharing, first-come, a rule, a lottery, a price)	addressed
SS2E3	2	Explain that people use money to obtain goods and services and how money makes trade easier than barter.	1.1	Before Money · Money You Cannot See	addressed
SS2E4	2	Describe the costs and benefits of personal saving and spending choices.	1.31.2	Patience Pays Off · If I Spend My Savings · It Depends	addressed
SS3E1	3	Define and give examples of the four productive resources: natural, human, capital, entrepreneurship.	2.1	Is This a Real Business? · Part B: What a Business Needs (natural, human, capital, entrepreneurship) · From Hobby to Income	addressed
SS3E2	3	Explain that governments provide goods and services in a market economy and pay for them through taxes.	2.12.5	What Taxes Buy · Follow the Dollar · The Community Subscription	addressed
SS3E3	3	Give examples of interdependence and trade; explain how price allocates goods and services.	2.22.5	The Best Price Hunt · Part B: Where Did It Come From? (made near, elsewhere in the U.S., abroad; other countries' money) · Follow the Dollar	addressed
SS3E4	3	Explain opportunity cost as it relates to a saving or spending choice.	2.22.3	The Trade-Off Problem · Why Saving Is Hard · Short and Long	addressed
SS4E1	4	Use economic concepts (trade, opportunity cost, specialization…) to illustrate historical events.History-bound; outside the program's scope.	—	—	not addressed
SS4E2	4	Identify the elements of a personal budget (income, expenditures, saving) and why spending and saving decisions matter.	2.4	What Is a Budget? · Fixed or Variable? · 50 / 30 / 20 · Planned vs Actual	addressed
SS5E1	5	Use economic concepts to illustrate historical events (rationing, cattle trails, the assembly line…).History-bound; outside the program's scope.	—	—	not addressed
SS5E2	5	Describe the four sectors of the U.S. economy: household, business, bank, government.	2.52.3	Follow the Dollar · Part B: The Four Players (households, businesses, banks, government) · Money That Grows	addressed
SS5E3	5	Describe how consumers and producers interact: competition and prices, earning by selling labor, entrepreneurs taking risks.	2.12.2	Sort the Earner · Is This a Real Business? · The Best Price Hunt	addressed
SS5E4	5	Identify the elements of a personal budget and why spending and saving decisions matter.	2.4	What Is a Budget? · Planned vs Actual	addressed
SS6E13	6	Live within one's income: income is limited; a budget plans spending and saving; reasons to save; uses and costs of credit.	3.13.23.33.5	Building Your First Budget · Where Did $177 Go? · What Borrowing Actually Costs · Emergency Fund First	addressed
SS7E10	7	Live within one's income (same elements as SS6E13).	3.13.23.33.5	As SS6E13	addressed
SS8E3	8	Principles of personal money management: income as the starting point, a household budget, savings, the uses and risks of debt.	3.23.33.53.6	Pay Stub Mastery · The Borrowing Decision Framework · What Is Your Savings Rate? · Sai's Financial Blueprint	addressed
SSEPF1	HS	Analyze major life decisions with a rational decision-making model: post-high-school paths, paying for them (HOPE, loans, grants…), FAFSA documents, renting vs buying, generational wealth.	4.74.94.64.2	Three Paths, Side by Side · The Document Hunt · SAI, Not EFC · Frame the Choice · The 18-to-30 Money Map · The Biggest Loan Most People Take	addressed
SSEPF2	HS	Income as a scarce resource: income types, a sample Form 1040, the paystub, a personal budget, reconciling a checking account, net worth.	4.14.64.9	Four Ways to Get Paid · Your Personal Income Statement · Part B: Reading a Form 1040 · Net Worth · Your Banking and Credit System · Part B: Reconcile the Account · Your First-Year Budget	addressed
SSEPF3	HS	How the financial system channels funds from savers to investors: functions of money, institutions compared, payment methods, savings and investment options, speculative investments.	4.44.23.1	What You Actually Own · Roth or Traditional · Crypto, Meme Stocks and FOMO · Who Is Really Selling You Money? · Inside a Bank	addressed
SSEPF4	HS	How interest rates affect consumer decisions: rates compared across lenders, APR, amortization, simple vs compound, nominal vs real.Amortization is shown through the loan projection tool rather than a mortgage schedule.	4.24.44.8	Read Before You Sign · The Math of Exploitation · The Compound Interest Clock · The Silent Killer · The Projection Tool	addressed
SSEPF5	HS	How taxation affects spending and saving: income, sales, property, capital-gains, and estate taxes; progressive, regressive, proportional.	4.1	Brackets, Marginal, Effective · Part B: Five Taxes and Who They Hit Hardest (income, sales, property, capital gains, estate; progressive / regressive / proportional) · The 15.3% Nobody Mentions	addressed
SSEPF6	HS	Costs and benefits of credit: credit report and score, score components, a sample loan application, revolving vs installment, bankruptcy.	4.34.2	The Number That Follows You · Reading the Report · The 30% Rule · Hard and Soft · When Starting Over Makes Sense	addressed
SSEPF7	HS	How insurance and risk management protect against loss: why people buy it, the types, deductibles and premiums, insurability.	4.5	Risk Is Real · Health Insurance, Decoded · What You Are Actually Buying · The Cheap One Nobody Buys	addressed
SSEPF8	HS	How workers' earnings are determined: workplace skills, a social-media footprint, investment in education and training.	4.14.9	Human Capital · Part B: Your Footprint Is a Résumé · Research, Ask, Counter, Close · Macon's Career Pivot · Research Your Path	addressed
SSEPF9	HS	How consumers are protected by rules and regulations: agencies, lodging complaints, key consumer legislation.	4.34.5	Disputing an Error · Part B: Who Has Your Back (Truth in Lending, FDCPA, FCRA, Fair Housing, Dodd-Frank; CFPB, FTC, state AG) · Reading the Fine Print	addressed
SSEPF10	HS	Sources of and protection against identity theft; investment scams.	4.53.3	Spot It, Stop It · Scams Built for You · Locking the Doors · Naiya's Close Call · When Someone Uses Your Name	addressed

Standard text summarized from the Georgia Standards of Excellence for Social Studies, © Georgia Department of Education, cited for alignment purposes. WealthWise Kids is not affiliated with GaDOE. Unit-level crosswalk, version 1.0, September 2026.

The 16 standards not yet addressed

They cluster in two places: Managing Credit and Managing Risk at the grade 4 benchmark (Bands K–2 and 3–5 contain no borrowing or insurance content), and Managing Risk at grade 8 (insurance is introduced in Band 9–12, Unit 4.5). These are on the curriculum roadmap; nothing on this site claims otherwise.

Spending 12-3Spending 12-4Saving 12-5Investing 8-3Managing Credit 4-1Managing Credit 4-2Managing Credit 4-3Managing Risk 4-1Managing Risk 4-2Managing Risk 4-3Managing Risk 8-2Managing Risk 8-3Managing Risk 8-4Managing Risk 8-5Managing Risk 8-6Managing Risk 8-7

Standards text © Jump$tart Coalition & Council for Economic Education, quoted in the download for alignment purposes. WealthWise Kids is not affiliated with either organization.

High-quality instructional materials

Against the criteria districts use to judge materials.

EdReports and state adoption rubrics score instructional materials on alignment and on usability. EdReports does not yet review financial-literacy programs, so this is our own evaluation against the same criteria, stated the way a reviewer would state it: met, partially met, or not yet.

Standards alignment

79 of 95 national standards addressed at the standard level; the 16 not yet reached are named, with the roadmap.

Partially met

Coherence across grades

One K–12 arc: four bands deepen the same eight domains; a unit in Band 3 assumes Band 2, not a restart.

Met

Teacher materials

Every lesson scripted; a Unit-at-a-Glance sheet per unit, band syllabi, pacing, a facilitator guide, and certification through iMPACT Partners™.

Met

Assessment

A behavioral before-and-after (FLIQ Score™) for every cohort. No item-level, standards-tagged assessment yet; the FLIQ readings are not yet validated at scale.

Partially met

Student supports and differentiation

Reading-level bands and Milo's guidance by band. No formal supports yet for multilingual learners or students with IEPs.

Not yet

Family engagement

A family letter for every unit, written for the car and the store; a Family Edition for home use.

Met

Technology use

The $100 Week™ and CoinQuest™ are where decisions are made and read; lessons themselves need no device.

Met

Design and navigation

One design system across all 24 units; print and screen; a numbered lesson code on every page.

Met

Evidence of effectiveness

Designed to measure; not yet measured. First cohorts 2026–27; results published whatever they show.